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A thematic view of the capabilities, functions and workforce mix visible across the latest careers census. Counts show how many evidence-matched vacancies contributed to each theme.
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During the second quarter of 2026, Santander advanced its innovation agenda by enhancing AI-powered tools and capabilities across its key markets.
“During the quarter, we advanced in our innovation agenda, further enhancing AI-powered tools and capabilities across key markets.”
Santander is developing AI-enabled solutions in Spain to enhance the productivity and efficiency of its Private Banking bankers, allowing them to focus on client advisory and high-value interactions.
“In Spain, we are developing AI-enabled solutions to increase the productivity and efficiency of our bankers, enabling them to focus on client advisory and higher value-added interactions.”
Santander is developing AI-enabled solutions within its Spanish Private Banking business. These tools are aimed at increasing the productivity and efficiency of bankers, freeing up time to focus on client advisory and higher value-added interactions.
“For example, in Spain, we are developing AI-enabled solutions to increase the productivity and efficiency of our bankers, enabling them to focus on client advisory and higher value-added interactions.”
Santander advanced its innovation agenda during the quarter ending 30 June 2026, further enhancing AI-powered tools and capabilities across its key Private Banking markets.
“During the quarter, we advanced in our innovation agenda, further enhancing AI-powered tools and capabilities across key markets.”
Santander is deploying AI at scale as part of its ONE Transformation initiative, aiming to maximize cross-selling, gain customer primacy, and deploy agentic commerce. The bank has set a target to generate over €1 billion in AI business value between 2025 and 2028.
“Business value generated €84mn in H1’26 (>€1bn 2025-28)”
The bank generated €84 million in AI business value during H1 2026. This value is measured as the annual run-rate of incremental revenue, cost savings, and lower loan-loss provisions compared to the FY 2025 baseline.
“AI business value generated3 €84mn in H1’26”
The merger of Santander Consumer Finance, S.A. and Open Bank, S.A. in Europe has established a single legal entity designed to support business simplification, cross-selling, and AI-led transformation.
“Single legal entity1 in Europe, supporting business simplification, cross-selling and AI led transformation”
Santander accelerated the deployment of AI across its businesses during the first half of the year, generating €84 million in business value. This value was achieved through higher revenue, lower costs, and lower loan-loss provisions, driven by improved customer service, higher productivity, and commercial growth.
“The group also continued to accelerate the deployment of AI across its businesses, generating €84 million of business value (higher revenue, lower costs and lower loan-loss provisions) in the first half through improved customer service, higher productivity and commercial growth.”
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